Personal Finance Today

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This hebdomad the world famous Halloween, we watched kids coiffe into costumes of their selection humor case or superhero. We laughed and maybe modify got a lowercase spooked at the assorted costumes that surfaced.

As I watched this day come and go it reminded me of how we go finished chronicle sometimes, “dressed up”. We intend “dressed up” to go to work, we intend “dressed up” to go to church, and we modify intend “dressed up” to go to bed. We often conceal behindhand the masks of who we want people to think we are. It’s a constant effort to move this faade.

Life has a artefact of expiration so apace that when we hit a moment to stop, we astonishment where the instance went. Do you poverty to pay that instance “dressing up”? I surely don’t.

Consider this: go and count the sort of clothes in your closet and I countenance you don’t dress of them! At the instance you bought those items you just had to hit that appurtenances or pair of shoes. And today you don’t modify dress them because; they hit either absent discover of call or you can’t fit in them. Unfortunately, a aggregation of us forsook a bill in visit to hit that piece of happiness.

Before you intend angry at me, just know that I’m conversation to myself too!

In TD Jakes book, Reposition Yourself, “According to Target Market News, a domestic concern that specializes in tracking the spending habits of blacks, we pay more annually on depreciable artefact much as cars, clothes, liquor and personal-care items than other groups. When our nation’s frugalness took a downswing in 2002 after 9/11, blacks proceeded to pay $22.9 1000000000 on clothes, $11 1000000000 on furniture, $3 1000000000 on electronic appliances and toys and $47 1000000000 on cars.”

Come on people, $22 1000000000 on clothes!! $47 1000000000 on cars!! The sad part is that we hit Gucci, Prada and gladiator Vuitton in a rented apartment!

Let’s think a moment most where that money could hit absent if we spent the money on a 12 punctuation Certificate of Deposit (CD) at an welfare evaluate of 4.80%. For every $1,000 you deposit, you would hit attained an average of $50 every 12 months. Obviously, the more money and individual the term, the more money you earn! Imagine this money over a 2 year period. That’s an average of $100.

Now, $100 may not seem same a aggregation of money to most, but the saucer is to exhibit you how to make money work for you instead of evilness versa. The money attained would be enough to acquire added welfare bearing account or better still consider a individual constituent with more money and you crapper set back, relax and watch you earn money for a downbound commercialism on a home.

I poverty us to actualise that “dressing up” is costing us more than just money. Our children countenance at us and they see the pattern and it continues for generations. Our children think that chronicle is most what you crapper “get” instead of what you crapper “give”.

There is more to chronicle than stylish outerwear and the stylish help SUV.

One thing I poverty to make clear is that there is nothing criminal with having nice things… when you crapper afford it. But don’t make the sacrifice in visit to play “dress up”.

So with everything you place a note to, ask yourself, “Am I activity coiffe up?”
I countenance you will think twice…

Rhonda L. Nails is the Founder of Monarch Developments, LLC. She is also author of the weekly newsletter, The Monarch Message which is written to Motivate, Move and Magnify a positive and hortative word to all individuals. Visit her at http://www.MonarchDevelopmentsInfo.com

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